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Insurance is never just about price, but we deliver when it comes to saving you money

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Because our agency is 100% independent, we have multiple options and can compare the best available policies for you. With flexible coverage and deductible options, we can find solid coverage for any budget. We routinely beat those companies you see on TV everyday by hundreds of dollars.

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Phenomenal

Jay was a lifelong athlete and spent time playing sports with his sons. But his active lifestyle couldn’t prevent a serious illness from damaging his heart, which eventually lead to a heart transplant.

But amidst all this, one thing she hasn’t had to worry about is money. “Jay’s life insurance has been a true financial lifeline,” she says. “It means we don’t have to move in with my mother or make any major changes right now after all that’s happened to us.”Her advice to other parents is to consider life insurance early on, before health issues make it hard or impossible to get. “We don’t control the universe,” she says, “and you don’t know what’s going to happen down the line. Life insurance can keep you and your children in your own world.”

What are the problems in case of insurance?

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We’re on a mission to educate more people about life insurance.

There are many answers to the question of why is life insurance important. But by and large, the most important one is ensuring your family’s financial security and peace of mind.

 

If anyone depends on your income, they would most likely struggle if you were to pass away. That’s why life insurance is so important to have. There are different types of life insurance policies, but essentially they all pay cash to your loved ones when you die. Money from life insurance can be used to cover daily living expenses, a mortgage or rent payments, outstanding loans, college tuition and other essential expenses. Life insurance is the best way to ensure that your loved ones would be in a good financial place if you and your income were no longer in the picture.

When you apply for life insurance, your life insurance application goes through a process called underwriting. Underwriting is when your insurance risk is evaluated. Approval and costs are based on your risk class.

There are two types of underwriting: traditional underwriting and simplified underwriting. In traditional underwriting, you fill out a formal application and typically undergo a short medical exam. It can take several weeks to be approved when the life insurance application undergoes traditional underwriting.

In contrast, simplified underwriting is usually a quick online life insurance application that does not require a medical exam. You can often receive instantaneous life insurance coverage. Just be aware that the coverage amount may be limited as well as more expensive with simplified underwriting.

Good news: There are options if you’re initially denied life insurance. The first is to contact the company that denied you to see if there was a mistake on the life insurance application. If there was no mistake, find out the reason for the denial. Once you know, you can try working with an insurance agent that specializes in higher-risk applicants.

As a general rule of the thumb, it’s a good idea to touch base with your life insurance agent at least once a year or whenever a life change happens. A life insurance review will help ensure your coverage is at the right level to protect your loved ones.

Life insurance often needs to be adjusted after a big change like getting married, having a baby, starting a business, retiring and more. In these kinds of instances, you’ll want to schedule a life insurance review with your life insurance agent as soon as possible.

Living benefits of a life insurance policy let you access your life insurance proceeds before you die. This is typically reserved for situations in which someone faces a terminal illness or injury. Many people use cash from living benefits to get their family’s finances in order or to take a special trip.

Living benefits, which are also known as accelerated death benefits, are typically available as a rider (or endorsement) to your life insurance policy.

Areas of Expertise

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Because our agency is 100% independent, we have multiple options and can compare the best available policies for you. With flexible coverage and deductible options, we can find solid coverage for any budget. We routinely beat those companies you see on TV everyday by hundreds of dollars.

Fast & reliable

Acting or moving or capable of acting or moving quickly; swift. accomplished in or lasting a short time.dependability and consistent quality of work

Safe your money

Safe money is an investment option that focuses on the preservation of capital. This means that the goal of investing in safe money is not to lose any of the original investment but to make a profit.

Experience qualified agents

Much like customer experience, agent experience can mean any and all aspects of a support agent’s engagement with a company—from the tools and workflows that make it possible to do their job to the initiatives that prioritize their well-being.

Critical Insurance

Critical Illness benefit provides coverage against specific life-threatening diseases. Treating such critical illnesses may require multiple visits to the hospital over a long period. In addition to the hospitalisation expenses, there will be other costs like fees for doctor visits, medical expenses, and more.

life insurance

Life Insurance can be defined as a contract between an insurance policy holder and an insurance company, where the insurer promises to pay a sum of money in exchange for a premium, upon the death of an insured person or after a set period.

Medical health

Medical insurance mainly provides coverage for out-of-pocket reasonable medical expenses caused by injuries and illnesses, offers financial support for the insured and their family members, and pays for medical costs and follow-up treatments.

No matter what type of insurance protection you’re looking for, we’ve got you covered – literally and figuratively.